Credit Union Safety Analysis
Is Caprock Santa Fe Credit Union Safe? Slaton, Texas
Based on its Q2 2026 NCUA 5300 call report, Caprock Santa Fe Credit Union has a net worth ratio of 41.73%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.77%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Caprock Santa Fe Credit Union's net worth ratio is 41.73%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 41.73%
- Delinquency ratio (60+ days) (Q2 2026): 1.77%
- Return on assets (Q2 2026): 1.90%
- Loan-to-share ratio (Q2 2026): 49.44%
Caprock Santa Fe Credit Union (NCUA charter 67441, established 1954) reported $51.5M in assets and 4,179 members for Q2 2026 from Slaton, Texas. It ranks 186 of 377 credit unions in Texas by total assets. Total assets grew 3.0% from $50.0M on June 30, 2025. It has 249 fewer members than on June 30, 2025 (-5.6%). Its net worth ratio was up 0.87 percentage points from 40.86% on June 30, 2025. Used vehicle loans are its largest loan category, $7.0M of $14.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.77% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 41.20% for Q1 2026; 40.86% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.81% for Q1 2026; 1.80% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 2.38% for Q1 2026; 2.30% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 48.95% for Q1 2026; 56.21% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $7.0M
- Other unsecured loans and lines of credit: $3.5M
- New vehicle loans: $3.2M
- Other secured non-real estate loans and lines of credit: $839K
- Unsecured credit card loans: $76K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $51.5M | 41.73% | 1.77% | 1.90% | 49.44% |
| March 31, 2026 | $51.6M | 41.20% | 1.81% | 2.38% | 48.95% |
| December 31, 2025 | $51.3M | 40.84% | 1.82% | 1.97% | 51.24% |
| September 30, 2025 | $50.8M | 40.81% | 1.97% | 2.36% | 54.05% |
| June 30, 2025 | $50.0M | 40.86% | 1.80% | 2.30% | 56.21% |
| March 31, 2025 | $49.7M | 40.55% | 2.12% | 1.83% | 57.08% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Caprock Santa Fe Credit Union profile
Regulator records: NCUA credit union profile (charter 67441) · FFIEC NIC profile (RSSD 830690)
Frequently asked questions
Is Caprock Santa Fe Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Caprock Santa Fe Credit Union's net worth ratio is 41.73%, above the 7% NCUA threshold for well capitalized.
Is Caprock Santa Fe Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Caprock Santa Fe Credit Union is a federally insured credit union (NCUA charter 67441): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Caprock Santa Fe Credit Union's key safety ratios?
For Q2 2026, Caprock Santa Fe Credit Union reports net worth 41.73%, delinquency 1.77%, ROA 1.90%, loan-to-share 49.44%.
What happens to my money if Caprock Santa Fe Credit Union fails?
For Q2 2026, Caprock Santa Fe Credit Union held $29.6M in shares and deposits for 4,179 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.